Insurance & Licensing, Plain & Boring
Co-op boards, condo associations, property managers, general contractors, and NYC building management offices all need a Certificate of Insurance (COI) on file before any HVAC contractor sets up a ladder. The COI is a one-page summary from our insurance carrier that confirms our coverage is current and lists you (or your building) as a certificate holder — and, if you require it, as an additional insured.
We deliver COIs as a normal part of every commercial and co-op/condo project. Use the form on this page (or call (929) 351-5179) with the building's specific COI requirements and we'll turn it around quickly.
What We Carry
Our commercial general liability policy is active and in force. Here's what that means for your building:
General Liability
Commercial general liability insurance covering third-party bodily injury and property damage on every job. The exact limits and effective dates are listed on the COI we issue for you.
Additional Insured
We add your building, management company, or general contractor to our policy as a scheduled additional insured for the duration of the project — just send the exact legal names and addresses with your request.
Coverage Tailored to Your Project
Every building's requirements are different. Tell us what your co-op, condo, or GC needs on the COI and we'll issue it — and where a project calls for additional endorsements or coverage, we arrange it.
Credentials & Compliance
The credentials behind the policies:
NYC HVAC Contractor
Operating across all five boroughs — residential, commercial, co-op, and condo HVAC work, insured with COIs issued on request.
EPA Section 608 Certified
Every technician who handles refrigerant carries the EPA Section 608 certification federal law requires. Standard discipline across every job, marine and land.
OSHA-Trained Crew
Site-safety training to OSHA standards for ladder work, electrical hazards, and confined-space situations common in NYC mechanical rooms and rooftops.
NYC DOB Filing Experience
We file Department of Buildings permits for installations that require them and coordinate inspections.
How to Request a COI
Submit the Form
Fill in the request form below with the building's COI requirements: certificate holder name and address, additional insureds, and any specific coverage language.
We Confirm Receipt
You get an email reply confirming we have the request and any clarifying questions.
We Email the COI
Our insurance carrier issues the certificate. We email a PDF to the requester and, if you provide the address, directly to the certificate holder.
Additional Insureds Attached
If your building requires an additional-insured endorsement, that is attached to the same email as a separate page. Most NYC co-ops and condos require this.
Renewals & Updates
Need an updated COI for a renewal, a new project phase, or a different additional insured? Submit the form again with the new details — same turnaround.
Certificate Holder vs. Additional Insured — What's the Difference
These two phrases get used interchangeably, and they mean different things. Knowing which one your building actually requires keeps the COI process from bouncing back twice.
- Certificate Holder — the entity that receives a copy of the COI. The certificate holder is informed of our coverage but is not protected by it. Most buildings only need this.
- Additional Insured — the entity actually covered by our policy for the duration of the project. Requires an endorsement from our carrier. Co-op and condo boards, property management companies, and general contractors typically require this in addition to being certificate holders.
- Waiver of Subrogation — a separate endorsement that prevents our insurer from recovering damages from the additional insured. Sometimes required by larger commercial buildings; let us know if it appears on your COI requirements list.
If you are not sure which the building requires, send us the COI requirements PDF or screenshot with your request — we will read it and ask only the questions that matter.
Request a COI
Use this form for any COI request — new project, renewal, or update with new additional insureds. We reply by email; calling is also fine: (929) 351-5179.
Who Typically Needs a COI From Us
Co-op & Condo Boards
Almost every NYC co-op and condo requires a COI naming the building and the management company as additional insureds before an alteration agreement can be approved. We handle these regularly.
Commercial Property Managers
Office buildings, restaurants, retail, and mixed-use properties all run COI requirements as part of vendor onboarding. Standard process; usually a one-time setup per property.
General Contractors & Construction Managers
When we are a sub on a larger project, the GC will require us to add them and the owner as additional insureds for the duration of the work. Send their requirements with the request.
Frequently Asked Questions
What is a Certificate of Insurance (COI)?
A one-page document from our insurance carrier that summarizes our coverage — types, limits, effective dates — and lists the entity you choose as a certificate holder. Most NYC buildings keep COIs on file as a vendor onboarding step before any contractor work can begin.
How fast can you deliver a COI?
For standard requests with clear requirements, we turn COIs around quickly — tell us your deadline and we'll work to meet it. Complex endorsements (additional insureds, waiver of subrogation, custom language) can take an extra day or two depending on our carrier's turnaround.
Can you add my building / property manager as an additional insured?
Yes — we add scheduled additional insureds, which is the standard for NYC co-op, condo, and commercial projects. Include the exact legal names and addresses for any additional insureds in the request form.
What insurance do you carry?
We carry commercial general liability insurance. The exact coverage, limits, and effective dates are listed on the COI itself, which we issue for your building on request — just email fixarnyc@gmail.com or use the form above. If your project needs additional endorsements or coverage, tell us and we'll arrange it.
Are you bonded?
Bonding is project-specific for HVAC work. If your project requires a payment or performance bond, let us know in the request and we'll arrange the appropriate bond for the job.
Do you work on co-op and condo projects in NYC?
Yes. Co-op and condo HVAC work — with the alteration agreement, board approvals, COI requirements, and building rules that come with it — is a normal part of our residential and commercial work. We are familiar with the standard COI language that NYC boards request.